Credit Union Safety Analysis
Is Edinburg Teachers Credit Union Safe? Edinburg, Texas
Based on its Q2 2026 NCUA 5300 call report, Edinburg Teachers Credit Union has a net worth ratio of 22.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.12%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Edinburg Teachers Credit Union's net worth ratio is 22.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 22.59%
- Delinquency ratio (60+ days) (Q2 2026): 0.12%
- Return on assets (Q2 2026): 0.40%
- Loan-to-share ratio (Q2 2026): 25.59%
Edinburg Teachers Credit Union (NCUA charter 66366) reported $98.0M in assets and 6,126 members for Q2 2026 from Edinburg, Texas. It ranks 146 of 377 credit unions in Texas by total assets. Total assets grew 3.4% from $94.7M on June 30, 2025. It has 17 fewer members than on June 30, 2025 (-0.3%). Its net worth ratio was down 0.49 percentage points from 23.08% on June 30, 2025. Used vehicle loans are its largest loan category, $9.9M of $20.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.12% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 22.57% for Q1 2026; 23.08% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.00% for Q1 2026; 0.16% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.07% for Q1 2026; 0.43% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 26.17% for Q1 2026; 28.80% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $9.9M
- Other unsecured loans and lines of credit: $4.9M
- New vehicle loans: $4.4M
- Other secured non-real estate loans and lines of credit: $1.0M
- Unsecured credit card loans: $406K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $98.0M | 22.59% | 0.12% | 0.40% | 25.59% |
| March 31, 2026 | $97.6M | 22.57% | 0.00% | 0.07% | 26.17% |
| December 31, 2025 | $96.8M | 22.73% | 0.01% | 0.13% | 27.14% |
| September 30, 2025 | $95.6M | 23.02% | 0.03% | 0.63% | 27.34% |
| June 30, 2025 | $94.7M | 23.08% | 0.16% | 0.43% | 28.80% |
| March 31, 2025 | $94.0M | 23.15% | 0.09% | 0.35% | 28.86% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Edinburg Teachers Credit Union profile
Regulator records: NCUA credit union profile (charter 66366) · FFIEC NIC profile (RSSD 555395)
Frequently asked questions
Is Edinburg Teachers Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Edinburg Teachers Credit Union's net worth ratio is 22.59%, above the 7% NCUA threshold for well capitalized.
Is Edinburg Teachers Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Edinburg Teachers Credit Union is a federally insured credit union (NCUA charter 66366): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Edinburg Teachers Credit Union's key safety ratios?
For Q2 2026, Edinburg Teachers Credit Union reports net worth 22.59%, delinquency 0.12%, ROA 0.40%, loan-to-share 25.59%.
What happens to my money if Edinburg Teachers Credit Union fails?
For Q2 2026, Edinburg Teachers Credit Union held $80.7M in shares and deposits for 6,126 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.